YMT Vacations cancel our 4 Island-Tour. They gave me an Travel Credit for 2 years. I asked on the phone I can get a refund on my Credit Card because YMT Vacations cancel the tour. The answer was no, because the government canceled. Can I claim YMT Vacations for a refund? Or should I claim by the Credit Card for a refund? In the Terms & Condition is noting marked how YMT Vacations will handle when they cancel a tour.